Happy Valentine’s Day – if you are into that sort of thing. If, like me, you think it’s all a bunch of sentimental tosh designed by card manufacturers, chocolate retailers, and florists to take people’s money, then happy Sunday.
Thank you again for all the concerned messages about my car and I can tell you there has been progress of sorts, but sadly not very positive progress. After waiting ten days for my insurance company to contact me again, I finally phoned them at 10am on Thursday morning. I got an automated message that rather snippily informed me that as 10am is ridiculously early for any company to be answering their phones – after all, you can still taste the toothpaste – I was to go to their website and have a live chat. Oh, joy.
So, I went online and sure enough, up popped a box with a very perky invitation to chat. We got the preliminaries out of the way with establishing who I was and why I was “chatting” that day. I asked for a progress update on my claim, and why I hadn’t heard anything for ten days. I can see from our records, came the reply, that our agents have repeatedly tried to phone you with no luck.
Umm, I don’t think so. We’re in lockdown, so other than a weekly trip to the shop I am always here, and if they had happened to phone in that one hour within the whole ten days, then Miss F is here. If they had called on my landline – as I asked them to – they could have left a message, but no one has. As far as we’re concerned, the landline hasn’t rung. Now, my mobile is problematic in that I simply don’t hear it ring sometimes, but I checked the calls missed register and nope, I hadn’t missed a call in over three weeks.
When I informed him of this, I got the snippy answer back that if I didn’t answer my phones, then they wouldn’t have been able to speak to me. I replied that I couldn’t answer phones that didn’t ring, and anyway, in the past ten days they had sent me no less than three emails and two texts inviting me to complete a survey on my “experience” with them, so why hadn’t they emailed or text me if they were having trouble contacting me by phone?
And that was another thing, these constant invitations to rate my experience. Umm, what experience would that be when they haven’t yet done anything for me but fail to contact me when they promised they would? To ask me to rate my experience at this point, is rather like a restaurant asking me to rate my dining experience whilst I’m still perusing the menu! At least wait until I’m on the coffee.
After a bit of huffing and puffing, he told me that my case had been handed over to the underwriters and gave me their name, telephone number, and reference number. He then began whittering on about completing a survey about my experience with him that day – I abruptly ended the chat before I forgot I was a lady.
With some trepidation, I telephoned the underwriters. This time the phone was answered immediately by the lovely Nathan. Who assured me he was there to help me. Good, because if anyone needs help right now, it’s me.
I gave him the reference number and my other identity details and he then clicked away on his computer to find me. It turns out, the insurance company hadn’t even passed on my details to them yet! So, liar liar, pants on fire! Deep breath. Start from scratch and tell the lovely Nathan my tale of woe. To be fair, he made all the right noises at all the right places as he noted it all down.
Then he gave me the cold hard truth – which was unpleasant, but I appreciated his honesty – because at least now I know exactly where I stand.
Fact One. Because I didn’t get the number plate it is making life very difficult for all concerned and is adding weeks if not months to the claim being processed.
Fact Two. Yes, they can contact Yodel with the tracking number and request the number plate of the van it relates to. And yes, they can contact the West Suffolk Council who supposedly own the CCTV on my street – although there seems confusion as to whether they own it, or the police do – and can request to see the footage. But it will all take an incredible amount of time.
Fact Three. I do not have this time. Unfortunately, my insurance is up for renewal in three weeks’ time.
Fact Four. If I renew my insurance with this claim still outstanding, my premiums will go up.
Fact Five. If they haven’t found the other driver by the time, I need to renew my insurance, I will be assigned blame. This blame will be on my record and will affect my premiums now and in the future.
Fact Six. If they never discover the identity of the other driver. Blame will be assigned to me permanently. Even though it was in no way my fault. Blame is assigned to the party whose insurance had to settle the claim. We don’t find him, it will be my insurance coughing up, ergo, my fault. Also, if they never find the other driver, I will have to pay a hefty policy excess.
Fact Seven. The insurers are not going to bother to get the car fixed. They are not even going to bother to get someone to look at it. They are simply going to write my little car off and pay me the scrap metal value.
Fact Eight. It’s a small old car – I will be lucky if they offer £150 scrappage for it. Deduct the policy excess and I will be practically paying them to take it away. I will be left with no money at all to buy another car with.
Fact Nine. Yes, I can accept the write off but not sell the car back to them and get the repairs done myself. They will then offer me a vastly reduced sum of money, still charge me a policy excess, and still assign blame to me, and put my premiums up.
Whichever way you look at it – going the insurance route will lead to poverty and being carless. If I had more time for the driver to be found and for this to be sorted, it might be worth considering, but even then, they will still only offer scrappage for it.
There is another option. Forget about claiming through my insurance. Yes, it’s annoying, because after all that’s what I have paid insurance for over thirty years for – to be protected against having to pay after an incident – but then life is annoying, and stupid, and unfair, and always bashes the little people like me. It’s a fact, swallow it down, pull up my big girl pants, and find the best way to move forward.
I telephoned my own mechanic, explained what had happened. Bring it in, he said, if it’s driveable, get it to me. So, Friday morning I got in the car and cautiously turned the key. Nothing. I tried again. There was a serious of clicks. Then Nothing. Bugger.
I got out. Slammed the door. Wiped the snow off the bonnet and windscreen. Got in the car and tried again. Still nothing. I seriously don’t know what I was expecting it to do but had to do something. I swore, loudly and voraciously, in the street.
I then did what any sensible, mature, grown-up woman of 53 would do. I sniffed back the tears and went indoors and phoned my dad.
It’s the battery, he said. From standing still in the freezing temperatures we’ve had over the past fortnight your battery has died. He drove in with his jump leads and after a couple of attempts, the car flew into life. I cautiously drove to the mechanics and dad followed me – just in case.
The mechanic had a good look at it and did that sucking his breath in over his teeth thing that I think all mechanics are taught at motor mechanic school. It’s just the wing, he confirmed. It’s not damaged inside at all; it is just the wing. It needs a new one. Yes, the bumper is cracked but that won’t affect its roadworthiness or getting it through the MOT. If we can find another bumper, then it’s just labour and paint on top, plus VAT. About £150-£200.
I was relieved. That was doable. Okay, it’s going to put a dent in my savings, a serious dent. But, at least my lovely reliable, low mileage car, will be saved to drive another day. My insurance record will remain blemish free and my premiums won’t go up. We’ll have a look on eBay and see what we can find, he promised me.
I went home feeling a bit more positive, but an hour later my phone rang, and it was my mechanic. There were no wings for 1996 Nissan Micra’s to be had anywhere. Not on eBay, and not on any of the other second-hand car part retailers they had tried. The only place they could get one from was a supplier called Europaparts – but it was expensive, a lot more than the £50 or so they used to be one eBay. It was going to push the price up to £300.
I told them I’d think about it, and hung up, feeling well and truly kicked in the teeth again, and that I must have been a really horrible person in a previous life because I could never catch a break in this one. Anyway, about now Miss F woke up and I told her what had happened.
Did you look on eBay yourself? She asked.
Yes, I replied glumly. I had looked up 1996 Nissan Micra passenger wing and just got a whole page of wing mirrors. And then I looked online and the only retailers selling them didn’t have any in stock – apart from this Europaparts who have them for £126.
Well, what about this one, she said, holding out her phone to show an eBay listing of a passenger side brand new wing for a Nissan Micra 1996 for £60.
What?!
How did you find it when I couldn’t, and presumably, neither could my mechanic?
You were being too specific, she said, I just put in 1996 Nissan Micra wing and this is what came up.
I was stunned that one word could make such a difference and quickly phoned my mechanic back. Yes, he said, order it, get it delivered directly to me and then I can fit it and spray it the same colour to match.
So, I quickly bought it, altered the delivery address to my mechanics and paid for it. So, I now have a brand-new wing on its way, and I haven’t yet told the insurance company I no longer need their services.
Monday, I’ll do it Monday, this weekend I have had enough of the whole thing. I am staggered by the unfairness of it all, and that fact that I am left with no other option but to use my precious, and hard-earned money to pay for damage caused by the selfish and careless actions of another. But that is life, and until I can afford a house with a garage or a private driveway, I will have to continue to park my car on the street outside my house – another factor against me and for which I am apparently to blame, according to the insurance company – because if the car had been in my mythical garage then it would never have been hit. Well, duh, thanks for that.
When I renew in three weeks, guess whom I won’t be re-insuring with, and I will be filling in that “rate your experience with us” survey. Although the lovely Nathan at the underwriters did say I could insure directly with them – and I just might. He was kind, professional, sugar coated nothing, and gave me all the facts – which I appreciated. Plus, his company considered 10am on a Thursday plenty early enough to be answering the phone.
We had another almost nasty incident this week, which very nearly resulted in yet another insurance claim, this time on household insurance. My wretched cat has started sleeping either on top of the cooker, or on my beautiful white porcelain draining board. I don’t know why, there are lots of other warmer and more comfortable places to nap, but for some reason these are the places of choice.
She doesn’t do it during the day when we could catch her and shoo her off, but only at night, so in the morning I come down to find them covered with cat fur, mud, the odd whisker and even an occasional claw. It’s disgusting, and I’m getting fed up with having to bleach them down every morning. And before you ask, no, I can’t shut her out of the kitchen. The back door has her cat flap in for her to go outside and do her business, so she must have access to it.
One evening I’d had enough. I built a barricade of laundry basket and washing up bowl on the draining board, then laid a thick towel over the cooker and sprinkled it with eucalyptus oil because she hates the smell. I then went to bed hopeful I’d solved the problem.
I slept a little late next morning, and when I came downstairs and opened the dining room door, I was struck by a strong smell of something scorching, burning. Stumbling into the kitchen, still half asleep, I immediately saw something dark lying on the towel and thought at first the cat had thrown up on it – a sort of protest puke – but then realised it was in fact a huge scorch mark in a perfect ring. Quickly snatching up the towel, it revealed the back hob glowing bright red! Now, it’s a back ring and one I only use if the other three are in use, so I knew I hadn’t left it switched on from dinner the previous evening. Besides, it glows so brightly red one of us would have spotted it before we went to bed. No, I think the cat had been up on the towel exploring and knocked the knob either jumping up or jumping down! Luckily, it had only been knocked to the first setting not full blast, otherwise I’m guessing the towel would have gone up in flames!

Bloody cat! Remind me again why we have pets.
About my Instagram account – no, I still don’t have access to my main account. I have no idea how long the ban will hold for, or even if I will ever get it back. I really hope so, but in the meantime, I’m enjoying the wonderful support I’ve been receiving on my back-up account. Although I did have a scare last week where for 24 hours, I could only post images on my new account, no text, and I couldn’t like or comment on anything. That was worrying because it looked like Instagram were really determined to get rid of me. But we edited my bio, uninstalled, cleared data, and reinstalled and it came back next morning, so hopefully it’s now settled down.
But I seriously need to look at other ways to promote my books because it seems Instagram have it in for authors and anyone else promoting their services on there.
We still haven’t done anything about finding another lodger yet. What with all the stress that has been present in this house the past six weeks – Miss F and her college work and exams (she still hasn’t been told if she is taking her exams at the beginning of March or not), and my car, and being shut in the house because of lockdown – I honestly think it was a good thing no one else was in the house with us. But, come March when they are making noises about letting us back out even though most of the work force will not have been vaccinated, we will need to advertise the room again.
To that end, we have moved our old TV which is a 19” flat screen down to the basement. It has been languishing in the back bedroom for three years since we bought our smart TV, but Miss F has never used it so I thought it would be better in the basement as a further attraction for the room. There is an aerial down there, but I don’t think it’s possible to access what I call “normal” TV anymore – the BBC, ITV, Channel 4 and 5 channels – without having a smart TV. So, Miss F did some research and discovered the Now TV stick for sale on Amazon for £20. You put it into the HDMI port in the back of the TV and it turns the TV into a smart TV with access to all the “normal” channels, plus Now TV, and several Sky channels, and a few others I hadn’t heard of. You get the first month for free, then after that it’s £10 a month. Plus, if the new lodger wants to, they can access their Netflix and Amazon Prime accounts through it.
You can run a total of six devices off this one stick – so we have it on the basement TV, our TV upstairs, Miss F’s tablet and her phone, then when she goes away to university in September, she will be able to access it on the little TV she’s going to get for her room and be able to access our Netflix and Amazon Prime accounts, which will be great for her. Hopefully, it will make our room even more attractive.
There is an old wicker armchair in the basement room, but I don’t think any lodger has ever actually sat in it – they seem to use it more as a dumping place for clothes, or as a drying rack for wet towels. And when conducting interviews, the one thing potential lodgers all ask about is can I put a desk in here? So, I thought I would remove the armchair and put a small desk and chair in its place. What with more people working some of the time from home, the prospect of further lockdowns hanging over our heads, plus most people having laptops and computers and wanting somewhere to put them, I think it would be another selling point for the room.
I measured up and had a quick look on Argos. Several little desks that would do, but absolutely none of them available. I looked on Amazon, it was the same story. I checked eBay and several other furniture retailers. Nope, small desks suitable for a home environment are completely sold out. I’m guessing it’s because of all the home working and home schooling that is now going on, everyone has bought desks and because many factories are closed, stocks have been depleted. All I can do is wait and hope that supplies are replenished sometime soon.
And now we’re halfway through another month already and it’s Valentine’s Day. I haven’t really celebrated it for almost twenty years – although Miss F and I always have a nice meal and maybe watch a film. I popped to our local Waitrose during the week for supplies, luckily, I live in the middle of town so while the car is out of action, I have been able to walk for shopping. What I would have done if I’d been stuck out in the middle of nowhere, I don’t know. When the accident happened two weeks ago, I had the foresight to go onto Tesco and book a delivery slot – but still, the first available one wasn’t until the 20th February, so I’ve had to pop out for fresh stuff as necessary.
Anyway, I went to Waitrose and they had their Valentine Day Meal for £20 offer. You could choose from a selection of products and buy a starter, a main course, two side dishes, a dessert, and a bottle of bubbly, all for £20. The main was easy – a pair of gorgeous sirloin steaks which we’ve already eaten, and they were lovely (Miss F requested sticky barbecued pork steaks for Valentine’s Day and I had already picked those up) – then two sides of French fries and a big bag of salad. The starter was harder, in the end I picked up a pack of mixed Italian meats – salami, chorizo, and Parma ham – they’re very useful in pasta and on pizza. Dessert was a nightmare – all full fat dairy which would kill my poor lactose intolerant daughter. In the end I picked up a pair of lemon tarts because I love them. Plus, a lovely bottle of prosecco. I also grabbed some vegan salted caramel ice cream for Miss F to make up for not being able to eat the lemon tart – although in the end she took a lactase pill and ate one of them anyway. So, a win-win for her really.

And that has been my week. Not a particularly great one. I have no idea what it must be like for normal people who have nice, long, quiet weeks when they can just relax and watch TV or read, without the constant strain of life kicking them in the teeth. Normal life must be wonderful, I’ve seen the brochure and it looks lovely, but I’ve never been there myself.
This has turned out to be a very long blog, for which I apologise. I hope wherever you are, you are well and safe, and that life is treating you kindly. I will chat with all again next week, and you never know, maybe I will be able to report a nice quiet week where nothing very much happened.
Maybe … maybe not.
Julia Blake














